I phoned Elephant and a week later our claim was turned down because I had
not taken out additional cover for unspecified valuables. I had listed
several items over the single-item limit of £1,500 and assumed that items
worth less than that amount did not need to be mentioned.

If I had known, I would have paid the additional premium.

Since I reported the loss, our cleaner has not returned to work, leading us
to suspect that she may have stolen the watch. We have informed the police.

Elephant listened to my original phone call and insists the agent asked the
correct questions, so it is still rejecting my claim. We do now